Jackson National Life

Financial Ratings

AM Best AStable

Fitch AStable

About Jackson National Life

Jackson National Life Insurance Company, founded in 1961 and headquartered in Lansing, Michigan, is a prominent U.S. provider of annuity products. As a subsidiary of Jackson Financial Inc., a publicly traded company, Jackson offers a range of annuities, including fixed, fixed index, registered index-linked, and variable annuities, catering to both individual and institutional investors. The company distributes its products through various channels, such as broker-dealer firms, independent agents, wirehouses, and banks across the United States.

Product Lineup

Jackson Income Assurance 7

Fixed Indexed Annuity

Guaranteed lifetime income + market protection

Guaranteed Annual Withdrawal Amount Percentage (GAWA%)Increases annually until income begins

Downside Protection0% minimum floor on returns

Index-Linked GrowthVaries by crediting method selected

Tax DeferralExample: $100k grows to $466k tax-deferred vs. $284k in taxable account over 20 years

Best for: Retirees and pre-retirees aged 50-80 seeking guaranteed lifetime income with pro...

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Jackson Income Assurance Advisory 10

Fixed Indexed Annuity

Protected growth with index-linked potential

Guaranteed Minimum Value87.5% of premium at 0.15%–3% GMIR

Index-Linked GrowthCaps and rates guaranteed annually

Free Withdrawals10% annually, penalty-free

Extended Care WaiverOne-time benefit, limited to $250,000

Best for: Conservative to moderate investors ages 50–80 seeking retirement income with pri...

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Jackson Income Assurance Advisory 7

Fixed Indexed Annuity

Guaranteed income for life with growth potential & downside protection

Guaranteed Annual Withdrawal Amount (GAWA%)Increases with age and time before withdrawal begins

Capital Preservation0% floor on losses

Index-Linked GrowthVaries by index and crediting method selected

Tax DeferralExample: $100K grows to $466K vs $284K in taxable account over 20 years

Best for: Retirees aged 50-80 seeking guaranteed lifetime income with downside protection ...

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Jackson RateProtector

Multi-Year Guaranteed

Guaranteed income growth. Flexible access. Tax-deferred.

Guaranteed Interest Rate OptionsInitial rates locked in; 1% to 3% minimum guaranteed annually

10% Annual Free Withdrawal10% of accumulated value per contract year

Tax-Deferred Growth100% of earnings reinvested until withdrawal

RMD-Friendly WithdrawalsAge 73+ RMD distributions unrestricted

Best for: Retired or near-retirees who have a lump sum to invest and want guaranteed growt...

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MarketProtector

Fixed Indexed Annuity

Protected growth with index-linked potential and lifetime income options

Principal Protection0% loss floor in down markets

Index-Linked InterestVaries by crediting method selected

Multiple Crediting MethodsPenalty-free changes annually

Flexible Index OptionsCustomizable by issue age and distributor

Best for: Retirees and pre-retirees nearing or in retirement who want principal protection...

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MarketProtector (CA)

Fixed Indexed Annuity

Protected growth with index-linked returns and tax deferral

Principal Protection100% protection on initial investment

Index-Linked GrowthVaries by crediting method and market conditions

Multiple Crediting MethodsFlexible selection and annual adjustment rights

Tax DeferralCan result in significantly higher account values over time

Best for: Retirees or those nearing retirement who want growth potential with downside mar...

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MarketProtector Advisory

Fixed Indexed Annuity

Protected growth with index upside—no direct market risk

Principal Protection100% principal guarantee

Index-Linked GrowthVaries by crediting method and current cap rates

Multiple Crediting MethodsMultiple options available

Flexible Index Option PeriodsVarious periods available by age and distribution channel

Best for: Investors approaching or in retirement who want to balance growth potential with...

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Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

Description

Excellent

Effective

August 13, 2020

Rating Agency

Fitch

Rating

Description

Strong

Effective

August 13, 2020

Rating Agency

Moody's

Rating

Description

Good

Effective

August 13, 2020

Rating Agency

Standard & Poor's

Rating

Description

Strong

Effective

August 13, 2020

Rating Analysis

Jackson National exhibits strong financial health, supported by substantial capitalization and a conservative investment approach. The company is noted for its effective risk management and stable profitability. Its financial ratings reflect a robust capacity to meet long-term insurance and financial commitments to its policyholders. The outlook for Jackson National is stable, underscoring its ongoing financial strength and operational reliability.